Total assets increased by $3.64 billion, or 12.11%, to $33.66 billion as of December 31, 2025, primarily due to the acquisition of Piedmont Bancorp, Inc. which added $2.30 billion. Net income for 2025 rose by $91.61 million, or 24.56%, to $464.60 million, resulting in diluted earnings per share of $3.27, up from $2.75 in 2024. Net interest income increased by $191.10 million, or 20.97%, to $1.10 billion in 2025, driven by higher average earning assets and a lower average rate paid on deposits. The loan and lease portfolio, net of unearned income, grew by $3.04 billion, or 14.01%, to $24.71 billion, with $2.02 billion attributed to the Piedmont acquisition. Deposits increased by $3.10 billion, or 12.93%, to $27.06 billion, with $2.11 billion from the Piedmont acquisition and $993.74 million in organic growth. The provision for credit losses increased to $53.87 million in 2025 from $25.15 million in 2024, mainly due to a $18.73 million provision for purchased non-PCD loans from Piedmont and increased provision for commercial real estate non-owner occupied (CRE NOO) loans. Net charge-offs for 2025 were $45.71 million, up from $12.55 million in 2024, including $21.77 million from two CRE NOO loans. Nonperforming loans increased by $28.07 million, or 38.24%, to $101.47 million as of December 31, 2025. The allowance for loan losses (ALL) increased by $25.68 million, or 9.44%, to $297.52 million, representing 1.20% of loans and leases, net of unearned income. The company maintained a well-capitalized status with strong regulatory capital ratios: Common Equity Tier 1 (CET1) of 13.4%, Tier 1 capital of 13.4%, Total Capital of 15.7%, and a Leverage Ratio of 11.3% as of December 31, 2025. United Bankshares, Inc. extended its record of consecutive annual dividend increases to 52 years, with dividends per share of $1.49 in 2025.